See whether a lower rate pays for closing costs before you move or sell. Payment drop alone is not enough.
Current payment
$2,015
New payment
$1,751
Break-even
17.0 mo
Monthly change: $264
P&I only. Extending term can lower payment while increasing total interest — check both.
Cut a recurring bill
Closing-cost savings and payment drops free cash flow for FI surplus.
Mint Mobile offers simple prepaid plans on a major network. Use this link for $15 renewal credit, then put the ongoing savings toward investing or tithing.
Referral link — if you sign up, the site may earn a commission at no extra cost to you.
Next: read the sequence
What to do with the number, before another tool or another calculator.
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